Home > LegacyTexas Bank > Performance and Condition Ratios
LegacyTexas Bank, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2897% | 2,644 |
| Cost of funding earning assets | 0.2513% | 5,308 |
| Net interest margin | 4.0384% | 1,781 |
| Noninterest income to average assets | 1.0452% | 1,122 |
| Noninterest expense to average assets | 3.0052% | 2,828 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.8353% | 444 |
| Return on assets (ROA) | 1.8382% | 459 |
| Pretax return on assets | 1.8412% | 725 |
| Return on Equity (ROE) | 18.2221% | 377 |
| Retained earnings to average equity (ytd only) | 3.8002% | 3,507 |
| Net charge-offs to loans | -0.0097% | 5,553 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0115% | 4,913 |
| Assets per employee ($millions) | 5.6641% | 1,638 |
| Cash dividends to net income (ytd only)* | 79.1449% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3788% | 3,055 |
| Loan loss allowance to noncurrent loans | 1,077.8140% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.3850% | 4,543 |
| Noncurrent loans to loans | 0.1279% | 5,383 |
| Net loans and leases to total assets | 74.7141% | 1,459 |
| Net loans and leases to deposits | 87.0440% | 1,840 |
| Net loans and leases to core deposits | 96.9359% | 1,643 |
| Total domestic deposits to total assets | 85.8349% | 2,925 |
| Equity capital to assets | 10.1652% | 3,899 |
| Core capital (leverage) ratio | 10.0126% | 3,555 |
| Tier 1 risk-based capital ratio | 12.6912% | 4,921 |
| Total risk-based capital ratio | 13.9426% | 4,837 |
| Memoranda: | ||
| Average total assets | $1,834,825,000 | 398 |
| Average earning assets | $1,725,708,600 | 383 |
| Average equity | $185,094,200 | 433 |
| Average total loans | $1,361,816,000 | 356 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3385% | 2,462 |
| Cost of funding earning assets | 0.2517% | 5,388 |
| Net interest margin | 4.0868% | 1,620 |
| Noninterest income to average assets | 1.0336% | 1,150 |
| Noninterest expense to average assets | 2.9018% | 3,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.9671% | 363 |
| Return on assets (ROA) | 1.9686% | 373 |
| Pretax return on assets | 1.9749% | 605 |
| Return on Equity (ROE) | 19.5539% | 308 |
| Retained earnings to average equity (ytd only) | 3.0328% | 4,457 |
| Net charge-offs to loans | -0.0021% | 5,190 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4879% | 5,252 |
| Assets per employee ($millions) | 5.4553% | 1,763 |
| Cash dividends to net income (ytd only)* | 84.4899% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4039% | 3,153 |
| Loan loss allowance to noncurrent loans | 1,087.1484% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.4106% | 4,690 |
| Noncurrent loans to loans | 0.1291% | 5,531 |
| Net loans and leases to total assets | 75.5211% | 1,279 |
| Net loans and leases to deposits | 88.1081% | 1,658 |
| Net loans and leases to core deposits | 98.2081% | 1,511 |
| Total domestic deposits to total assets | 85.7141% | 3,006 |
| Equity capital to assets | 10.2215% | 3,906 |
| Core capital (leverage) ratio | 10.0900% | 3,541 |
| Tier 1 risk-based capital ratio | 12.5920% | 5,117 |
| Total risk-based capital ratio | 13.8435% | 5,040 |
| Memoranda: | ||
| Average total assets | $1,819,160,500 | 398 |
| Average earning assets | $1,709,988,750 | 380 |
| Average equity | $183,147,000 | 432 |
| Average total loans | $1,342,892,750 | 356 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3623% | 2,324 |
| Cost of funding earning assets | 0.2582% | 5,404 |
| Net interest margin | 4.1041% | 1,494 |
| Noninterest income to average assets | 1.0209% | 1,144 |
| Noninterest expense to average assets | 2.8881% | 3,207 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.9820% | 350 |
| Return on assets (ROA) | 1.9816% | 362 |
| Pretax return on assets | 1.9861% | 576 |
| Return on Equity (ROE) | 19.7850% | 301 |
| Retained earnings to average equity (ytd only) | -0.0231% | 5,684 |
| Net charge-offs to loans | 0.0071% | 4,142 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 383.4468% | 180 |
| Efficiency ratio | 59.2154% | 5,400 |
| Assets per employee ($millions) | 5.4425% | 1,747 |
| Cash dividends to net income (ytd only)* | 100.1168% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4356% | 3,163 |
| Loan loss allowance to noncurrent loans | 1,012.9964% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.4518% | 4,649 |
| Noncurrent loans to loans | 0.1417% | 5,578 |
| Net loans and leases to total assets | 74.1862% | 1,417 |
| Net loans and leases to deposits | 87.9740% | 1,604 |
| Net loans and leases to core deposits | 98.8732% | 1,380 |
| Total domestic deposits to total assets | 84.3274% | 3,809 |
| Equity capital to assets | 10.0952% | 3,977 |
| Core capital (leverage) ratio | 9.9566% | 3,669 |
| Tier 1 risk-based capital ratio | 12.5649% | 5,183 |
| Total risk-based capital ratio | 13.8167% | 5,111 |
| Memoranda: | ||
| Average total assets | $1,814,554,000 | 394 |
| Average earning assets | $1,703,809,670 | 378 |
| Average equity | $181,743,330 | 431 |
| Average total loans | $1,322,525,000 | 358 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5142% | 1,771 |
| Cost of funding earning assets | 0.2643% | 5,449 |
| Net interest margin | 4.2499% | 1,099 |
| Noninterest income to average assets | 0.9558% | 1,244 |
| Noninterest expense to average assets | 2.7262% | 3,847 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.2139% | 232 |
| Return on assets (ROA) | 2.2139% | 244 |
| Pretax return on assets | 2.2238% | 343 |
| Return on Equity (ROE) | 22.1918% | 191 |
| Retained earnings to average equity (ytd only) | -4.3481% | 6,083 |
| Net charge-offs to loans | -0.0853% | 6,055 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0390% | 5,921 |
| Assets per employee ($millions) | 5.4236% | 1,777 |
| Cash dividends to net income (ytd only)* | 119.5934% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5073% | 3,116 |
| Loan loss allowance to noncurrent loans | 233.2204% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.7407% | 3,900 |
| Noncurrent loans to loans | 0.6463% | 4,243 |
| Net loans and leases to total assets | 72.0202% | 1,574 |
| Net loans and leases to deposits | 85.2626% | 1,699 |
| Net loans and leases to core deposits | 96.4853% | 1,348 |
| Total domestic deposits to total assets | 84.4687% | 4,094 |
| Equity capital to assets | 9.9841% | 3,863 |
| Core capital (leverage) ratio | 10.0449% | 3,502 |
| Tier 1 risk-based capital ratio | 12.7172% | 5,178 |
| Total risk-based capital ratio | 13.9697% | 5,117 |
| Memoranda: | ||
| Average total assets | $1,812,929,000 | 393 |
| Average earning assets | $1,703,851,000 | 382 |
| Average equity | $180,859,500 | 432 |
| Average total loans | $1,299,686,500 | 360 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1607% | 3,496 |
| Cost of funding earning assets | 0.3265% | 5,361 |
| Net interest margin | 3.8342% | 2,522 |
| Noninterest income to average assets | 1.1349% | 1,090 |
| Noninterest expense to average assets | 2.9527% | 3,191 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.7590% | 522 |
| Return on assets (ROA) | 1.7590% | 537 |
| Pretax return on assets | 1.7611% | 830 |
| Return on Equity (ROE) | 17.3402% | 469 |
| Retained earnings to average equity (ytd only) | 9.3022% | 710 |
| Net charge-offs to loans | 0.1184% | 3,624 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 21.5370% | 1,489 |
| Efficiency ratio | 62.6005% | 5,113 |
| Assets per employee ($millions) | 5.2438% | 1,909 |
| Cash dividends to net income (ytd only)* | 46.3545% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5445% | 2,983 |
| Loan loss allowance to noncurrent loans | 159.0388% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 1.0811% | 3,248 |
| Noncurrent loans to loans | 0.9712% | 3,578 |
| Net loans and leases to total assets | 69.1744% | 2,146 |
| Net loans and leases to deposits | 82.4550% | 2,140 |
| Net loans and leases to core deposits | 92.9725% | 1,677 |
| Total domestic deposits to total assets | 83.8935% | 4,204 |
| Equity capital to assets | 9.9681% | 3,819 |
| Core capital (leverage) ratio | 10.1158% | 3,408 |
| Tier 1 risk-based capital ratio | 13.1182% | 4,903 |
| Total risk-based capital ratio | 14.3707% | 4,842 |
| Memoranda: | ||
| Average total assets | $1,717,037,000 | 403 |
| Average earning assets | $1,602,665,600 | 394 |
| Average equity | $174,173,600 | 435 |
| Average total loans | $1,186,228,400 | 376 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1527% | 3,558 |
| Cost of funding earning assets | 0.3373% | 5,411 |
| Net interest margin | 3.8154% | 2,587 |
| Noninterest income to average assets | 1.1858% | 1,042 |
| Noninterest expense to average assets | 2.9907% | 3,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.7445% | 585 |
| Return on assets (ROA) | 1.7445% | 608 |
| Pretax return on assets | 1.7495% | 998 |
| Return on Equity (ROE) | 17.1186% | 528 |
| Retained earnings to average equity (ytd only) | 6.2977% | 2,235 |
| Net charge-offs to loans | 0.2304% | 2,423 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 11.0393% | 2,288 |
| Efficiency ratio | 63.0525% | 4,979 |
| Assets per employee ($millions) | 5.1838% | 1,953 |
| Cash dividends to net income (ytd only)* | 63.2111% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5674% | 3,153 |
| Loan loss allowance to noncurrent loans | 178.5273% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 1.1077% | 3,438 |
| Noncurrent loans to loans | 0.8779% | 4,062 |
| Net loans and leases to total assets | 70.0505% | 1,955 |
| Net loans and leases to deposits | 82.2083% | 2,115 |
| Net loans and leases to core deposits | 92.9599% | 1,677 |
| Total domestic deposits to total assets | 85.2110% | 3,623 |
| Equity capital to assets | 10.1282% | 3,731 |
| Core capital (leverage) ratio | 10.1670% | 3,450 |
| Tier 1 risk-based capital ratio | 12.9365% | 5,164 |
| Total risk-based capital ratio | 14.1891% | 5,107 |
| Memoranda: | ||
| Average total assets | $1,692,703,750 | 412 |
| Average earning assets | $1,576,882,500 | 402 |
| Average equity | $172,502,500 | 438 |
| Average total loans | $1,164,093,250 | 380 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0818% | 3,813 |
| Cost of funding earning assets | 0.3579% | 5,334 |
| Net interest margin | 3.7239% | 2,872 |
| Noninterest income to average assets | 1.1996% | 1,061 |
| Noninterest expense to average assets | 3.0067% | 2,981 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6631% | 670 |
| Return on assets (ROA) | 1.6631% | 734 |
| Pretax return on assets | 1.6681% | 1,191 |
| Return on Equity (ROE) | 16.2856% | 633 |
| Retained earnings to average equity (ytd only) | 4.0940% | 3,684 |
| Net charge-offs to loans | 0.1612% | 2,816 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 15.2251% | 1,758 |
| Efficiency ratio | 64.2765% | 4,835 |
| Assets per employee ($millions) | 5.1367% | 1,954 |
| Cash dividends to net income (ytd only)* | 74.8610% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7500% | 2,598 |
| Loan loss allowance to noncurrent loans | 150.3242% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 1.2133% | 3,321 |
| Noncurrent loans to loans | 1.1641% | 3,613 |
| Net loans and leases to total assets | 67.6206% | 2,318 |
| Net loans and leases to deposits | 77.6563% | 2,612 |
| Net loans and leases to core deposits | 89.5803% | 1,943 |
| Total domestic deposits to total assets | 87.0768% | 2,774 |
| Equity capital to assets | 10.1387% | 3,736 |
| Core capital (leverage) ratio | 9.8510% | 3,714 |
| Tier 1 risk-based capital ratio | 13.1078% | 5,064 |
| Total risk-based capital ratio | 14.3622% | 5,002 |
| Memoranda: | ||
| Average total assets | $1,686,720,000 | 409 |
| Average earning assets | $1,574,066,000 | 402 |
| Average equity | $172,250,670 | 440 |
| Average total loans | $1,146,323,000 | 384 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0653% | 3,868 |
| Cost of funding earning assets | 0.3673% | 5,397 |
| Net interest margin | 3.6980% | 2,860 |
| Noninterest income to average assets | 1.1167% | 1,194 |
| Noninterest expense to average assets | 3.0489% | 2,839 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5199% | 825 |
| Return on assets (ROA) | 1.5199% | 902 |
| Pretax return on assets | 1.5248% | 1,501 |
| Return on Equity (ROE) | 14.8300% | 802 |
| Retained earnings to average equity (ytd only) | 2.1489% | 4,927 |
| Net charge-offs to loans | -0.1452% | 6,594 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6202% | 4,553 |
| Assets per employee ($millions) | 5.1090% | 2,084 |
| Cash dividends to net income (ytd only)* | 85.5100% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8619% | 2,414 |
| Loan loss allowance to noncurrent loans | 125.4623% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 1.3217% | 3,313 |
| Noncurrent loans to loans | 1.4841% | 3,332 |
| Net loans and leases to total assets | 67.4440% | 2,113 |
| Net loans and leases to deposits | 78.4581% | 2,280 |
| Net loans and leases to core deposits | 90.9751% | 1,608 |
| Total domestic deposits to total assets | 85.9618% | 3,543 |
| Equity capital to assets | 10.3054% | 3,789 |
| Core capital (leverage) ratio | 9.8764% | 3,563 |
| Tier 1 risk-based capital ratio | 12.8780% | 5,315 |
| Total risk-based capital ratio | 14.1337% | 5,253 |
| Memoranda: | ||
| Average total assets | $1,692,796,500 | 414 |
| Average earning assets | $1,582,465,500 | 400 |
| Average equity | $173,486,000 | 441 |
| Average total loans | $1,143,224,000 | 391 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2643% | 4,345 |
| Cost of funding earning assets | 0.4495% | 5,582 |
| Net interest margin | 3.8148% | 3,165 |
| Noninterest income to average assets | 0.9425% | 1,732 |
| Noninterest expense to average assets | 3.1018% | 2,915 |
| Loan and lease loss provision to assets | 0.0611% | 5,011 |
| Net operating income to assets | 1.3275% | 1,240 |
| Return on assets (ROA) | 1.5353% | 938 |
| Pretax return on assets | 1.5388% | 1,564 |
| Return on Equity (ROE) | 14.9936% | 809 |
| Retained earnings to average equity (ytd only) | 8.4256% | 992 |
| Net charge-offs to loans | 0.2629% | 3,361 |
| Credit loss provision to net charge-offs | 34.7102% | 5,027 |
| Earnings coverage of net charge-offs (x) | 7.9032% | 2,510 |
| Efficiency ratio | 68.9814% | 3,977 |
| Assets per employee ($millions) | 5.3440% | 1,848 |
| Cash dividends to net income (ytd only)* | 43.8055% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8645% | 2,404 |
| Loan loss allowance to noncurrent loans | 132.7689% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 1.2412% | 3,574 |
| Noncurrent loans to loans | 1.4043% | 3,492 |
| Net loans and leases to total assets | 65.1251% | 2,688 |
| Net loans and leases to deposits | 75.4637% | 2,881 |
| Net loans and leases to core deposits | 84.3002% | 2,513 |
| Total domestic deposits to total assets | 86.2998% | 3,203 |
| Equity capital to assets | 10.1924% | 3,900 |
| Core capital (leverage) ratio | 9.9420% | 3,478 |
| Tier 1 risk-based capital ratio | 13.4524% | 4,787 |
| Total risk-based capital ratio | 14.7087% | 4,741 |
| Memoranda: | ||
| Average total assets | $1,635,542,800 | 416 |
| Average earning assets | $1,522,647,200 | 407 |
| Average equity | $167,478,600 | 444 |
| Average total loans | $1,095,751,000 | 393 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3031% | 4,442 |
| Cost of funding earning assets | 0.4725% | 5,617 |
| Net interest margin | 3.8306% | 3,203 |
| Noninterest income to average assets | 1.0586% | 1,345 |
| Noninterest expense to average assets | 3.3268% | 2,196 |
| Loan and lease loss provision to assets | 0.0824% | 4,595 |
| Net operating income to assets | 1.2080% | 1,705 |
| Return on assets (ROA) | 1.3961% | 1,358 |
| Pretax return on assets | 1.4035% | 2,223 |
| Return on Equity (ROE) | 13.6175% | 1,194 |
| Retained earnings to average equity (ytd only) | 4.7776% | 3,538 |
| Net charge-offs to loans | 0.4022% | 2,490 |
| Credit loss provision to net charge-offs | 30.4971% | 4,794 |
| Earnings coverage of net charge-offs (x) | 4.7966% | 3,200 |
| Efficiency ratio | 71.9281% | 3,343 |
| Assets per employee ($millions) | 5.1598% | 1,984 |
| Cash dividends to net income (ytd only)* | 64.9159% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8338% | 2,697 |
| Loan loss allowance to noncurrent loans | 114.1604% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 1.6671% | 3,081 |
| Noncurrent loans to loans | 1.6063% | 3,380 |
| Net loans and leases to total assets | 67.7299% | 2,332 |
| Net loans and leases to deposits | 78.5789% | 2,587 |
| Net loans and leases to core deposits | 88.4302% | 2,165 |
| Total domestic deposits to total assets | 86.1935% | 3,152 |
| Equity capital to assets | 10.2398% | 4,151 |
| Core capital (leverage) ratio | 9.3780% | 4,466 |
| Tier 1 risk-based capital ratio | 12.7401% | 5,452 |
| Total risk-based capital ratio | 13.9959% | 5,408 |
| Memoranda: | ||
| Average total assets | $1,618,243,500 | 418 |
| Average earning assets | $1,505,664,000 | 406 |
| Average equity | $165,909,750 | 448 |
| Average total loans | $1,086,862,250 | 396 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3134% | 4,515 |
| Cost of funding earning assets | 0.5000% | 5,621 |
| Net interest margin | 3.8134% | 3,300 |
| Noninterest income to average assets | 0.9308% | 1,673 |
| Noninterest expense to average assets | 3.2031% | 2,576 |
| Loan and lease loss provision to assets | 0.1240% | 3,974 |
| Net operating income to assets | 1.1445% | 1,895 |
| Return on assets (ROA) | 1.4278% | 1,268 |
| Pretax return on assets | 1.4352% | 2,066 |
| Return on Equity (ROE) | 13.9204% | 1,143 |
| Retained earnings to average equity (ytd only) | 13.9204% | 355 |
| Net charge-offs to loans | 0.5765% | 1,875 |
| Credit loss provision to net charge-offs | 32.3311% | 4,400 |
| Earnings coverage of net charge-offs (x) | 3.3185% | 3,424 |
| Efficiency ratio | 71.5168% | 3,516 |
| Assets per employee ($millions) | 5.2760% | 1,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9075% | 2,531 |
| Loan loss allowance to noncurrent loans | 106.2971% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 1.8441% | 2,976 |
| Noncurrent loans to loans | 1.7945% | 3,225 |
| Net loans and leases to total assets | 65.0254% | 2,838 |
| Net loans and leases to deposits | 75.5243% | 3,052 |
| Net loans and leases to core deposits | 86.2584% | 2,395 |
| Total domestic deposits to total assets | 86.0986% | 3,305 |
| Equity capital to assets | 10.3671% | 3,851 |
| Core capital (leverage) ratio | 9.9072% | 3,562 |
| Tier 1 risk-based capital ratio | 13.4980% | 4,825 |
| Total risk-based capital ratio | 14.7545% | 4,776 |
| Memoranda: | ||
| Average total assets | $1,612,435,000 | 422 |
| Average earning assets | $1,499,133,670 | 408 |
| Average equity | $165,383,000 | 447 |
| Average total loans | $1,072,972,330 | 400 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3761% | 4,426 |
| Cost of funding earning assets | 0.5290% | 5,615 |
| Net interest margin | 3.8471% | 3,148 |
| Noninterest income to average assets | 0.8163% | 2,079 |
| Noninterest expense to average assets | 3.2239% | 2,522 |
| Loan and lease loss provision to assets | 0.1758% | 3,207 |
| Net operating income to assets | 0.9886% | 2,521 |
| Return on assets (ROA) | 1.5679% | 1,023 |
| Pretax return on assets | 1.5754% | 1,651 |
| Return on Equity (ROE) | 15.3724% | 911 |
| Retained earnings to average equity (ytd only) | 15.3724% | 421 |
| Net charge-offs to loans | 0.7709% | 1,333 |
| Credit loss provision to net charge-offs | 34.1964% | 3,552 |
| Earnings coverage of net charge-offs (x) | 2.2799% | 3,255 |
| Efficiency ratio | 73.3006% | 3,199 |
| Assets per employee ($millions) | 5.1180% | 2,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0199% | 2,300 |
| Loan loss allowance to noncurrent loans | 76.7241% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 2.3980% | 2,475 |
| Noncurrent loans to loans | 2.6326% | 2,468 |
| Net loans and leases to total assets | 65.4881% | 2,561 |
| Net loans and leases to deposits | 76.4649% | 2,734 |
| Net loans and leases to core deposits | 87.9608% | 2,056 |
| Total domestic deposits to total assets | 85.6447% | 3,721 |
| Equity capital to assets | 10.2744% | 3,759 |
| Core capital (leverage) ratio | 9.8017% | 3,639 |
| Tier 1 risk-based capital ratio | 13.5613% | 4,785 |
| Total risk-based capital ratio | 14.8195% | 4,764 |
| Memoranda: | ||
| Average total assets | $1,592,955,000 | 425 |
| Average earning assets | $1,482,150,000 | 414 |
| Average equity | $162,473,500 | 452 |
| Average total loans | $1,062,105,000 | 398 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4799% | 5,155 |
| Cost of funding earning assets | 0.7569% | 5,160 |
| Net interest margin | 3.7230% | 4,189 |
| Noninterest income to average assets | 0.5502% | 3,509 |
| Noninterest expense to average assets | 3.1623% | 2,991 |
| Loan and lease loss provision to assets | 0.0383% | 6,091 |
| Net operating income to assets | 0.7849% | 3,113 |
| Return on assets (ROA) | 0.7849% | 3,275 |
| Pretax return on assets | 0.7884% | 4,022 |
| Return on Equity (ROE) | 8.0900% | 2,861 |
| Retained earnings to average equity (ytd only) | 8.0900% | 1,048 |
| Net charge-offs to loans | 0.4647% | 3,127 |
| Credit loss provision to net charge-offs | 12.4198% | 5,992 |
| Earnings coverage of net charge-offs (x) | 2.6789% | 3,870 |
| Efficiency ratio | 79.2259% | 2,411 |
| Assets per employee ($millions) | 4.8291% | 2,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1807% | 1,835 |
| Loan loss allowance to noncurrent loans | 80.9771% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 2.4401% | 2,496 |
| Noncurrent loans to loans | 2.6930% | 2,415 |
| Net loans and leases to total assets | 65.0599% | 2,970 |
| Net loans and leases to deposits | 76.0156% | 3,178 |
| Net loans and leases to core deposits | 87.6431% | 2,411 |
| Total domestic deposits to total assets | 85.5875% | 3,547 |
| Equity capital to assets | 10.1238% | 4,003 |
| Core capital (leverage) ratio | 9.2387% | 4,412 |
| Tier 1 risk-based capital ratio | 13.0277% | 5,048 |
| Total risk-based capital ratio | 14.2873% | 5,015 |
| Memoranda: | ||
| Average total assets | $1,565,485,800 | 424 |
| Average earning assets | $1,445,992,400 | 413 |
| Average equity | $151,879,800 | 462 |
| Average total loans | $1,039,638,000 | 409 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4867% | 5,289 |
| Cost of funding earning assets | 0.8073% | 5,099 |
| Net interest margin | 3.6794% | 4,431 |
| Noninterest income to average assets | 0.4960% | 3,897 |
| Noninterest expense to average assets | 3.1240% | 3,077 |
| Loan and lease loss provision to assets | 0.0256% | 6,129 |
| Net operating income to assets | 0.7289% | 3,468 |
| Return on assets (ROA) | 0.7289% | 3,650 |
| Pretax return on assets | 0.7366% | 4,354 |
| Return on Equity (ROE) | 7.5968% | 3,229 |
| Retained earnings to average equity (ytd only) | 7.5968% | 1,663 |
| Net charge-offs to loans | 0.6321% | 2,353 |
| Credit loss provision to net charge-offs | 6.1075% | 5,695 |
| Earnings coverage of net charge-offs (x) | 1.8166% | 4,299 |
| Efficiency ratio | 80.3341% | 2,208 |
| Assets per employee ($millions) | 4.8507% | 2,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2076% | 1,844 |
| Loan loss allowance to noncurrent loans | 80.4594% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 2.9037% | 2,227 |
| Noncurrent loans to loans | 2.7437% | 2,550 |
| Net loans and leases to total assets | 61.9608% | 3,732 |
| Net loans and leases to deposits | 72.2902% | 3,943 |
| Net loans and leases to core deposits | 82.9930% | 3,192 |
| Total domestic deposits to total assets | 85.7112% | 3,374 |
| Equity capital to assets | 9.7427% | 4,717 |
| Core capital (leverage) ratio | 9.1475% | 4,714 |
| Tier 1 risk-based capital ratio | 12.9043% | 5,168 |
| Total risk-based capital ratio | 14.1639% | 5,141 |
| Memoranda: | ||
| Average total assets | $1,560,867,000 | 427 |
| Average earning assets | $1,438,191,750 | 412 |
| Average equity | $149,760,500 | 475 |
| Average total loans | $1,036,173,250 | 411 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5589% | 5,143 |
| Cost of funding earning assets | 0.8498% | 5,063 |
| Net interest margin | 3.7091% | 4,218 |
| Noninterest income to average assets | 0.4479% | 4,299 |
| Noninterest expense to average assets | 3.1077% | 3,223 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7511% | 3,283 |
| Return on assets (ROA) | 0.7511% | 3,407 |
| Pretax return on assets | 0.7589% | 4,179 |
| Return on Equity (ROE) | 7.8711% | 3,000 |
| Retained earnings to average equity (ytd only) | 7.8711% | 1,503 |
| Net charge-offs to loans | 0.4300% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 2.6169% | 3,520 |
| Efficiency ratio | 80.3158% | 2,335 |
| Assets per employee ($millions) | 4.7740% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4300% | 1,547 |
| Loan loss allowance to noncurrent loans | 80.5809% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 3.3908% | 1,947 |
| Noncurrent loans to loans | 3.0157% | 2,406 |
| Net loans and leases to total assets | 64.4152% | 3,374 |
| Net loans and leases to deposits | 77.8303% | 3,148 |
| Net loans and leases to core deposits | 90.4264% | 2,316 |
| Total domestic deposits to total assets | 82.7636% | 4,869 |
| Equity capital to assets | 9.7695% | 4,428 |
| Core capital (leverage) ratio | 9.1949% | 4,415 |
| Tier 1 risk-based capital ratio | 12.6403% | 5,228 |
| Total risk-based capital ratio | 13.9025% | 5,188 |
| Memoranda: | ||
| Average total assets | $1,542,726,000 | 438 |
| Average earning assets | $1,421,963,000 | 426 |
| Average equity | $147,223,000 | 482 |
| Average total loans | $1,040,417,670 | 418 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5924% | 4,982 |
| Cost of funding earning assets | 0.8842% | 5,035 |
| Net interest margin | 3.7082% | 4,057 |
| Noninterest income to average assets | 0.2430% | 5,958 |
| Noninterest expense to average assets | 3.0389% | 3,490 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6183% | 3,944 |
| Return on assets (ROA) | 0.6183% | 4,009 |
| Pretax return on assets | 0.6261% | 4,584 |
| Return on Equity (ROE) | 6.5575% | 3,600 |
| Retained earnings to average equity (ytd only) | 6.5575% | 2,345 |
| Net charge-offs to loans | 0.2399% | 3,117 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 3.8280% | 2,621 |
| Efficiency ratio | 82.8466% | 2,105 |
| Assets per employee ($millions) | 4.8634% | 2,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5885% | 1,330 |
| Loan loss allowance to noncurrent loans | 61.0994% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 3.8189% | 1,759 |
| Noncurrent loans to loans | 4.2365% | 1,684 |
| Net loans and leases to total assets | 65.0801% | 3,223 |
| Net loans and leases to deposits | 78.0193% | 3,055 |
| Net loans and leases to core deposits | 90.5546% | 2,291 |
| Total domestic deposits to total assets | 83.4154% | 4,737 |
| Equity capital to assets | 9.5456% | 4,375 |
| Core capital (leverage) ratio | 9.0858% | 4,471 |
| Tier 1 risk-based capital ratio | 12.3785% | 5,369 |
| Total risk-based capital ratio | 13.6427% | 5,345 |
| Memoranda: | ||
| Average total assets | $1,535,930,500 | 444 |
| Average earning assets | $1,417,395,500 | 433 |
| Average equity | $144,812,000 | 485 |
| Average total loans | $1,046,890,500 | 417 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6312% | 6,017 |
| Cost of funding earning assets | 1.1319% | 4,958 |
| Net interest margin | 3.4994% | 5,251 |
| Noninterest income to average assets | 0.3235% | 5,473 |
| Noninterest expense to average assets | 2.8466% | 4,416 |
| Loan and lease loss provision to assets | 0.6994% | 2,344 |
| Net operating income to assets | -0.0204% | 5,880 |
| Return on assets (ROA) | -0.0204% | 5,986 |
| Pretax return on assets | -0.0193% | 5,922 |
| Return on Equity (ROE) | -0.2377% | 5,991 |
| Retained earnings to average equity (ytd only) | -0.2377% | 5,655 |
| Net charge-offs to loans | 0.8586% | 2,489 |
| Credit loss provision to net charge-offs | 115.0542% | 3,767 |
| Earnings coverage of net charge-offs (x) | 1.1188% | 4,989 |
| Efficiency ratio | 80.6441% | 2,326 |
| Assets per employee ($millions) | 5.2390% | 1,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5496% | 1,349 |
| Loan loss allowance to noncurrent loans | 45.2286% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 5.1713% | 1,223 |
| Noncurrent loans to loans | 5.6371% | 1,154 |
| Net loans and leases to total assets | 67.7399% | 3,044 |
| Net loans and leases to deposits | 81.6198% | 2,881 |
| Net loans and leases to core deposits | 96.6862% | 1,924 |
| Total domestic deposits to total assets | 82.9945% | 4,796 |
| Equity capital to assets | 9.3108% | 4,673 |
| Core capital (leverage) ratio | 8.6263% | 5,147 |
| Tier 1 risk-based capital ratio | 11.8603% | 5,607 |
| Total risk-based capital ratio | 13.1244% | 5,580 |
| Memoranda: | ||
| Average total assets | $1,608,477,400 | 425 |
| Average earning assets | $1,472,356,000 | 419 |
| Average equity | $137,998,400 | 500 |
| Average total loans | $1,138,880,200 | 395 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6448% | 6,213 |
| Cost of funding earning assets | 1.1639% | 5,064 |
| Net interest margin | 3.4810% | 5,373 |
| Noninterest income to average assets | 0.1893% | 6,527 |
| Noninterest expense to average assets | 2.8356% | 4,326 |
| Loan and lease loss provision to assets | 0.7991% | 1,902 |
| Net operating income to assets | -0.2684% | 6,398 |
| Return on assets (ROA) | -0.2684% | 6,450 |
| Pretax return on assets | -0.2655% | 6,381 |
| Return on Equity (ROE) | -3.1927% | 6,513 |
| Retained earnings to average equity (ytd only) | -3.1927% | 6,379 |
| Net charge-offs to loans | 0.9638% | 2,073 |
| Credit loss provision to net charge-offs | 116.5989% | 3,571 |
| Earnings coverage of net charge-offs (x) | 0.7786% | 5,279 |
| Efficiency ratio | 84.0890% | 1,831 |
| Assets per employee ($millions) | 5.4485% | 1,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4444% | 1,404 |
| Loan loss allowance to noncurrent loans | 49.7688% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 4.7539% | 1,384 |
| Noncurrent loans to loans | 4.9116% | 1,427 |
| Net loans and leases to total assets | 69.2185% | 2,929 |
| Net loans and leases to deposits | 83.3335% | 2,828 |
| Net loans and leases to core deposits | 100.7761% | 1,769 |
| Total domestic deposits to total assets | 83.0621% | 4,568 |
| Equity capital to assets | 9.0790% | 5,476 |
| Core capital (leverage) ratio | 8.2687% | 5,929 |
| Tier 1 risk-based capital ratio | 11.2744% | 6,123 |
| Total risk-based capital ratio | 12.5377% | 6,104 |
| Memoranda: | ||
| Average total assets | $1,626,836,500 | 416 |
| Average earning assets | $1,486,146,750 | 413 |
| Average equity | $136,766,750 | 497 |
| Average total loans | $1,156,840,250 | 392 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6637% | 6,265 |
| Cost of funding earning assets | 1.1821% | 5,226 |
| Net interest margin | 3.4816% | 5,316 |
| Noninterest income to average assets | 0.2191% | 6,348 |
| Noninterest expense to average assets | 2.7894% | 4,534 |
| Loan and lease loss provision to assets | 0.7586% | 1,893 |
| Net operating income to assets | -0.1592% | 6,304 |
| Return on assets (ROA) | -0.1592% | 6,364 |
| Pretax return on assets | -0.1563% | 6,295 |
| Return on Equity (ROE) | -1.9432% | 6,413 |
| Retained earnings to average equity (ytd only) | -1.9432% | 6,138 |
| Net charge-offs to loans | 1.2186% | 1,567 |
| Credit loss provision to net charge-offs | 87.4738% | 4,502 |
| Earnings coverage of net charge-offs (x) | 0.6945% | 5,052 |
| Efficiency ratio | 82.1721% | 2,140 |
| Assets per employee ($millions) | 5.4623% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1759% | 1,811 |
| Loan loss allowance to noncurrent loans | 45.7962% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 5.6366% | 1,083 |
| Noncurrent loans to loans | 4.7512% | 1,491 |
| Net loans and leases to total assets | 69.2996% | 3,065 |
| Net loans and leases to deposits | 85.6387% | 2,565 |
| Net loans and leases to core deposits | 107.5502% | 1,338 |
| Total domestic deposits to total assets | 80.9209% | 5,428 |
| Equity capital to assets | 8.6358% | 5,968 |
| Core capital (leverage) ratio | 7.9106% | 6,373 |
| Tier 1 risk-based capital ratio | 10.6023% | 6,604 |
| Total risk-based capital ratio | 11.8620% | 6,600 |
| Memoranda: | ||
| Average total assets | $1,647,877,000 | 412 |
| Average earning assets | $1,501,607,000 | 408 |
| Average equity | $135,032,670 | 498 |
| Average total loans | $1,172,620,000 | 391 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6412% | 6,438 |
| Cost of funding earning assets | 1.1970% | 5,424 |
| Net interest margin | 3.4443% | 5,401 |
| Noninterest income to average assets | 0.2089% | 6,463 |
| Noninterest expense to average assets | 2.7619% | 4,643 |
| Loan and lease loss provision to assets | 0.5402% | 2,341 |
| Net operating income to assets | 0.0444% | 6,177 |
| Return on assets (ROA) | 0.0444% | 6,289 |
| Pretax return on assets | 0.0473% | 6,261 |
| Return on Equity (ROE) | 0.5565% | 6,250 |
| Retained earnings to average equity (ytd only) | 0.5565% | 5,607 |
| Net charge-offs to loans | 0.5181% | 2,514 |
| Credit loss provision to net charge-offs | 146.1988% | 2,429 |
| Earnings coverage of net charge-offs (x) | 1.5900% | 3,773 |
| Efficiency ratio | 82.3884% | 2,224 |
| Assets per employee ($millions) | 5.5750% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2417% | 1,675 |
| Loan loss allowance to noncurrent loans | 50.4656% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 5.3378% | 1,169 |
| Noncurrent loans to loans | 4.4421% | 1,688 |
| Net loans and leases to total assets | 69.8810% | 2,973 |
| Net loans and leases to deposits | 88.6258% | 2,109 |
| Net loans and leases to core deposits | 111.2153% | 1,203 |
| Total domestic deposits to total assets | 78.8495% | 6,110 |
| Equity capital to assets | 8.0683% | 6,582 |
| Core capital (leverage) ratio | 7.4933% | 6,860 |
| Tier 1 risk-based capital ratio | 9.7307% | 7,194 |
| Total risk-based capital ratio | 10.9910% | 7,184 |
| Memoranda: | ||
| Average total assets | $1,666,120,000 | 417 |
| Average earning assets | $1,519,165,000 | 419 |
| Average equity | $132,971,000 | 510 |
| Average total loans | $1,188,167,000 | 401 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6759% | 7,176 |
| Cost of funding earning assets | 1.5603% | 5,224 |
| Net interest margin | 3.1156% | 6,327 |
| Noninterest income to average assets | 0.2836% | 6,075 |
| Noninterest expense to average assets | 2.4422% | 6,332 |
| Loan and lease loss provision to assets | 1.8407% | 1,222 |
| Net operating income to assets | -1.1342% | 6,669 |
| Return on assets (ROA) | -0.7734% | 6,417 |
| Pretax return on assets | -0.7712% | 6,248 |
| Return on Equity (ROE) | -9.4113% | 6,575 |
| Retained earnings to average equity (ytd only) | -10.8334% | 6,581 |
| Net charge-offs to loans | 1.8332% | 1,357 |
| Credit loss provision to net charge-offs | 137.3267% | 3,585 |
| Earnings coverage of net charge-offs (x) | 0.5287% | 5,584 |
| Efficiency ratio | 77.4897% | 3,269 |
| Assets per employee ($millions) | 5.7604% | 1,413 |
| Cash dividends to net income (ytd only)* | -15.1103% | 7,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1503% | 1,731 |
| Loan loss allowance to noncurrent loans | 49.4381% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 5.5413% | 1,061 |
| Noncurrent loans to loans | 4.3495% | 1,648 |
| Net loans and leases to total assets | 69.6167% | 3,337 |
| Net loans and leases to deposits | 87.8748% | 2,575 |
| Net loans and leases to core deposits | 123.2454% | 1,698 |
| Total domestic deposits to total assets | 79.2226% | 5,926 |
| Equity capital to assets | 7.8951% | 6,678 |
| Core capital (leverage) ratio | 7.2967% | 6,989 |
| Tier 1 risk-based capital ratio | 9.4999% | 7,225 |
| Total risk-based capital ratio | 10.7589% | 7,195 |
| Memoranda: | ||
| Average total assets | $1,711,333,200 | 410 |
| Average earning assets | $1,574,894,600 | 407 |
| Average equity | $140,639,000 | 480 |
| Average total loans | $1,251,248,400 | 391 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7002% | 7,285 |
| Cost of funding earning assets | 1.6379% | 5,213 |
| Net interest margin | 3.0623% | 6,428 |
| Noninterest income to average assets | 0.3949% | 5,335 |
| Noninterest expense to average assets | 2.3076% | 6,682 |
| Loan and lease loss provision to assets | 2.2963% | 741 |
| Net operating income to assets | -1.3872% | 7,059 |
| Return on assets (ROA) | -0.9814% | 6,825 |
| Pretax return on assets | -0.9799% | 6,668 |
| Return on Equity (ROE) | -11.8287% | 7,010 |
| Retained earnings to average equity (ytd only) | -13.6987% | 7,054 |
| Net charge-offs to loans | 2.1562% | 897 |
| Credit loss provision to net charge-offs | 144.7008% | 3,364 |
| Earnings coverage of net charge-offs (x) | 0.5738% | 5,458 |
| Efficiency ratio | 71.7041% | 4,298 |
| Assets per employee ($millions) | 6.6348% | 931 |
| Cash dividends to net income (ytd only)* | -15.8090% | 7,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1363% | 1,528 |
| Loan loss allowance to noncurrent loans | 64.8185% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 4.9275% | 1,195 |
| Noncurrent loans to loans | 3.2958% | 2,289 |
| Net loans and leases to total assets | 70.1525% | 3,472 |
| Net loans and leases to deposits | 88.3448% | 2,896 |
| Net loans and leases to core deposits | 124.8557% | 1,832 |
| Total domestic deposits to total assets | 79.4076% | 5,657 |
| Equity capital to assets | 7.6618% | 7,180 |
| Core capital (leverage) ratio | 7.1645% | 7,297 |
| Tier 1 risk-based capital ratio | 9.2528% | 7,513 |
| Total risk-based capital ratio | 10.5116% | 7,500 |
| Memoranda: | ||
| Average total assets | $1,718,657,750 | 423 |
| Average earning assets | $1,584,546,750 | 416 |
| Average equity | $142,599,250 | 486 |
| Average total loans | $1,264,883,000 | 404 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6563% | 7,457 |
| Cost of funding earning assets | 1.7105% | 5,220 |
| Net interest margin | 2.9458% | 6,693 |
| Noninterest income to average assets | 0.5360% | 4,141 |
| Noninterest expense to average assets | 2.3101% | 6,732 |
| Loan and lease loss provision to assets | 1.4546% | 1,193 |
| Net operating income to assets | -0.4940% | 6,544 |
| Return on assets (ROA) | 0.1026% | 5,653 |
| Pretax return on assets | 0.1043% | 5,666 |
| Return on Equity (ROE) | 1.2062% | 5,567 |
| Retained earnings to average equity (ytd only) | -1.5289% | 5,625 |
| Net charge-offs to loans | 1.9287% | 973 |
| Credit loss provision to net charge-offs | 101.5930% | 4,499 |
| Earnings coverage of net charge-offs (x) | 0.6635% | 5,039 |
| Efficiency ratio | 70.8595% | 4,614 |
| Assets per employee ($millions) | 6.6943% | 888 |
| Cash dividends to net income (ytd only)* | 226.7574% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3945% | 3,756 |
| Loan loss allowance to noncurrent loans | 60.0145% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 4.3938% | 1,294 |
| Noncurrent loans to loans | 2.3236% | 3,112 |
| Net loans and leases to total assets | 69.2258% | 3,898 |
| Net loans and leases to deposits | 86.9500% | 3,366 |
| Net loans and leases to core deposits | 128.3865% | 1,685 |
| Total domestic deposits to total assets | 79.6156% | 5,583 |
| Equity capital to assets | 8.0617% | 6,676 |
| Core capital (leverage) ratio | 7.8747% | 6,527 |
| Tier 1 risk-based capital ratio | 9.9683% | 6,963 |
| Total risk-based capital ratio | 11.2183% | 6,891 |
| Memoranda: | ||
| Average total assets | $1,718,737,670 | 432 |
| Average earning assets | $1,589,390,000 | 421 |
| Average equity | $146,245,000 | 477 |
| Average total loans | $1,275,901,330 | 415 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7099% | 7,496 |
| Cost of funding earning assets | 1.7742% | 5,244 |
| Net interest margin | 2.9357% | 6,656 |
| Noninterest income to average assets | 0.5348% | 4,024 |
| Noninterest expense to average assets | 2.2210% | 6,801 |
| Loan and lease loss provision to assets | 1.5611% | 806 |
| Net operating income to assets | -0.5014% | 6,877 |
| Return on assets (ROA) | 0.1372% | 6,035 |
| Pretax return on assets | 0.1393% | 6,078 |
| Return on Equity (ROE) | 1.5690% | 5,935 |
| Retained earnings to average equity (ytd only) | -3.8414% | 6,409 |
| Net charge-offs to loans | 3.1925% | 397 |
| Credit loss provision to net charge-offs | 64.0466% | 4,453 |
| Earnings coverage of net charge-offs (x) | 0.4303% | 4,644 |
| Efficiency ratio | 67.9253% | 4,976 |
| Assets per employee ($millions) | 6.4361% | 991 |
| Cash dividends to net income (ytd only)* | 344.8276% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 5,837 |
| Loan loss allowance to noncurrent loans | 27.0282% | 6,767 |
| Noncurrent assets plus other real estate owned to assets | 3.5553% | 1,503 |
| Noncurrent loans to loans | 3.8656% | 1,583 |
| Net loans and leases to total assets | 72.8525% | 3,041 |
| Net loans and leases to deposits | 92.4247% | 2,526 |
| Net loans and leases to core deposits | 131.8044% | 1,546 |
| Total domestic deposits to total assets | 78.8237% | 5,783 |
| Equity capital to assets | 8.3663% | 6,289 |
| Core capital (leverage) ratio | 8.2120% | 6,075 |
| Tier 1 risk-based capital ratio | 9.9704% | 6,962 |
| Total risk-based capital ratio | 10.9461% | 7,170 |
| Memoranda: | ||
| Average total assets | $1,691,115,500 | 432 |
| Average earning assets | $1,575,476,500 | 427 |
| Average equity | $147,861,000 | 476 |
| Average total loans | $1,291,142,000 | 413 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0194% | 5,453 |
| Cost of funding earning assets | 2.3120% | 5,096 |
| Net interest margin | 3.7074% | 4,442 |
| Noninterest income to average assets | 0.5263% | 4,414 |
| Noninterest expense to average assets | 2.5440% | 5,844 |
| Loan and lease loss provision to assets | 0.5112% | 2,765 |
| Net operating income to assets | 0.8949% | 3,020 |
| Return on assets (ROA) | 0.9353% | 2,708 |
| Pretax return on assets | 0.9401% | 3,588 |
| Return on Equity (ROE) | 10.3625% | 2,135 |
| Retained earnings to average equity (ytd only) | 10.3625% | 401 |
| Net charge-offs to loans | 0.1033% | 5,276 |
| Credit loss provision to net charge-offs | 640.5124% | 666 |
| Earnings coverage of net charge-offs (x) | 17.6725% | 1,754 |
| Efficiency ratio | 64.3317% | 5,493 |
| Assets per employee ($millions) | 5.9116% | 1,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 3,609 |
| Loan loss allowance to noncurrent loans | 52.6266% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 2.1256% | 2,309 |
| Noncurrent loans to loans | 2.5226% | 2,155 |
| Net loans and leases to total assets | 78.2219% | 2,081 |
| Net loans and leases to deposits | 103.0267% | 1,464 |
| Net loans and leases to core deposits | 129.4891% | 1,888 |
| Total domestic deposits to total assets | 75.9239% | 6,259 |
| Equity capital to assets | 9.1480% | 5,154 |
| Core capital (leverage) ratio | 8.6927% | 5,209 |
| Tier 1 risk-based capital ratio | 9.8888% | 6,863 |
| Total risk-based capital ratio | 11.1101% | 6,773 |
| Memoranda: | ||
| Average total assets | $1,564,913,200 | 450 |
| Average earning assets | $1,447,036,000 | 439 |
| Average equity | $141,240,200 | 494 |
| Average total loans | $1,209,480,800 | 426 |